[nmhancoc]

I think you’ve already got a lot of advice related to the mechanics of saving money (401k which has withdrawal penalties, maybe an IRA for greater friction, etc.)

On the emotional management / discipline front, I’d suggest also exploiting the similarities between personal finances and healthy living. If money is particularly painful for you, try forming simple habits like going on a 10 minute walk each morning, or eating healthy 1 day a week.

Small actions like that will help you prove to yourself that you can make changes, and you can ride that proof emotionally to make bigger changes incrementally over time.

An example would be 1 day a week of not eating out, which becomes a $10 per week saving habit, then moving to 2 days and $20.

[wincy]

I did lose 50 pounds in the last year. I know I can manage my health properly, but during that same time didn’t manage my finances well at all.

Maybe thinking about it the same way is key, thanks.

[zhdc1]

> I did lose 50 pounds in the last year. I know I can manage my health properly, but during that same time didn’t manage my finances well at all.

That's ok. Change comes slowly. Last year, and maybe this year, was about fitness. Make next year about your personal finances, and the year after that about something else (self growth, discipline, etc).